Make your next big project a reality!

Get the tools to expand your imagination with an EZ20 loan.

  • Borrow up to $20,000
  • Low interest rates
  • No down payment
  • No payment for up to 3 months
  • No proof of purchase required

Subject to normal lending criteria. Special terms and conditions apply

Make your plans come through in 2022.

  • Competitive Interest rates
  • Longer repayment terms
  • Affordable monthly payments

Subject to normal lending criteria. Special terms and conditions apply

Start new journeys in your car.

Get a quick, easy and affordable loan to purchase a new or used vehicle!

  • Up to 100% Financing
  • Competitive interest rates
  • Affordable monthly payments
  • Skip a month before you make your first payment
  • All in One Loan Package Available

Subject to normal lending criteria. Special terms and conditions apply

Simplify your life.

Let’s help you consolidate your debt into one low monthly instalment.

  • Competitive interest rate
  • One affordable monthly payment
  • Get additional funds for monthly expenses

Subject to normal lending criteria. Special terms and conditions apply

A home is a canvas to create precious memories!

With a First Citizens mortgage you get

  • Up to 95% financing
  • Low Interest rate
  • Financing for residential mortgage related expenses
  • Cash back*
  • Lower closing cost
  • Special financing available for first time home owners

Subject to normal lending criteria. Special terms and conditions apply

Used Car Special

A quick and easy auto loan from First Citizens will get you in the driver’s seat.

  • Up to 10 years to repay
  • 100% Financing
  • Low Interest Rates
  • No payments for up to 2 months

Subject to normal lending criteria. Special terms and conditions apply

Frequently Asked Questions…..

What documents do I need to apply for a Loan?

  • Two forms of valid Identification (Barbados ID card, Passport or driver’s license)
  • Recent Proof of address (e.g recent utility bill or bank statement – not older than 3 months)
  • Recent Job letter addressed to First Citizens and last two month’s pay slips OR Self Employed Applicants – Income declaration certificate from BRA, 3 years Financial Statements, practice certificate if applicable.
  • Proof of Liabilities (e.g loans, mortgage, lines of credit, hire purchase, charge accounts, credit cards) and proof of Assets (e.g CSV on insurance life policy, recent land tax assessment, vehicle insurance, savings account statement(s).

The Bank reserves the right to request additional information/documentation if deemed necessary.

Disclaimer

For the duration of the PAINT A BRIGHTER FUTURE Loan promotion, First Citizens is pleased to offer our qualified customers a minimum repayment period of 12 months and a maximum repayment period of 120 months for consumer loans; and up to 30 years for residential mortgages. The maximum Annual Percentage Rate (APR) offered on consumer loans is 12%. Consumer loan processing fee is 0.5% of the loan amount for qualified customers. Terms and Conditions Apply.